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Do I Need Condo Insurance in California

Insurance Blog

Do I Need Condo Insurance in California

Buying a condo in California is a significant investment, and probably one of the biggest that most people will ever make. When you have a mortgage on your condo, your lender will require that you carry condo insurance to protect their investment in your property. The state does not require that you carry any insurance on your part of the condo. At JT Insurance Services in Los Angeles, CA, we are experts in condo insurance and will happily sit with you to discuss the types of insurance that you need for your condo.

Your homeowner’s association will have a master policy that covers the exterior of the building and common areas. Your responsibility will be for the interior and personal possessions. Read the master policy to understand the type of coverage that you have. Since your condo is in California, the necessity for earthquake insurance is pretty high. It is not necessarily included in condo insurance. If you are in an area prone to flooding, flood insurance is a wise addition.

Condo insurance gives you liability coverage. This protects you against a legal action that may happen if someone is injured while visiting you at your condo. It includes members of your family, including your furry friends. Consider adding a loss assessment to your condo policy. If the condos sustain a loss and all the owners are assessed to make repairs, it will help to pay your portion. Your personal possession and any improvements you have made on your condo are also included in condo coverage.

While you may not be required to have condo insurance, it is a good idea none the less. JT Insurance Services in Los Angeles, CA can help to put together condo insurance coverage that makes sense for you. Stop by the office or give them a call for a no-obligation quote.

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